(one) Info indicating that a financial institution acquired shut-stop home mortgage loans, compact small business loans, modest farm loans, or car loans for the only or Principal goal of inappropriately maximizing its retail lending functionality, like, but not limited to, information and facts indicating subsequent resale of these types of loans or any indicator that this kind of loans happen to be regarded in a number of depository establishments' CRA evaluations, where case the Board will not think about this sort of loans inside the bank's effectiveness evaluation;
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If a navy financial institution delineates all the U.s. and its territories as its sole facility-based mostly evaluation location pursuant to § 228.16(d), the Board evaluates the lender exclusively within the establishment level determined by its overall performance in its sole facility-based mostly evaluation area.
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A financial institution that gained a less than “Satisfactory” institution rating for the duration of its newest assessment must contain in its community file an outline of its present-day endeavours to improve its general performance in helping to meet the credit score wants of its overall Neighborhood.
Pursuant to 12 U.S.C. 2906, the Board offers conclusions derived under this section individually for metropolitan places during which a bank maintains a number of domestic branch places of work and for that nonmetropolitan location of the Condition if a bank maintains a number of domestic branch places of work in these kinds of nonmetropolitan location.
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Topic towards the geographic specifications in paragraph (b) of the part, a considerable bank should delineate, for a particular calendar year, a retail lending evaluation location in almost any MSA or inside the nonmetropolitan region of any State in which it originated:
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(A) A bank may perhaps specify yearly measurable ambitions for Neighborhood improvement loans, Group progress investments, or equally. The bank will have to base any once-a-year measurable aims like a percentage or ratio with the bank's Local community advancement loans and Group advancement investments for all or certain sorts of community progress described in § 228.
The bank should consist of the created notices in the public file within a few business enterprise times soon here after getting notification in the FFIEC of the availability of your disclosure statements.
); the term “uninsured Point out department” means a Point out department the deposits of which aren't insured via the Federal Deposit Insurance Company; the time period “confined department” usually means a Point out branch that accepts only deposits which are permissible for a corporation structured less than part 25A with the Federal Reserve Act (twelve U.S.C. 611 et seq.
Pursuant to § 228.21, the Retail Lending Exam evaluates a financial institution's record of assisting to meet the credit rating wants of its entire community from the bank's origination and purchase of house property finance loan loans, multifamily loans, modest business loans, and modest farm loans.